Privacy Policy — MoneyMathCalc

MoneyMathCalc ("we," "us," or "our") operates the website moneymathcalc.com. This Privacy Policy explains what information we collect, how we use it, and your rights regarding your data. By using our website, you agree to the practices described here.

1. Information We Collect

Calculator Inputs

All calculator inputs you enter (loan amounts, income figures, dates, etc.) are processed entirely in your browser. We do not transmit these values to our servers. This data is never stored, logged, or associated with you in any way. When you close the browser tab or navigate away, the data is gone.

Automatically Collected Information

When you visit our website, we automatically collect certain technical information, including:

Your device's Internet Protocol (IP) address (anonymized)
Browser type and version
Operating system
Referring website URL
Pages visited and time spent on pages
Date and time of each visit

This information is collected via analytics services (Google Analytics 4 and Cloudflare Web Analytics) and is used in aggregate to understand how our tools are used and how to improve them.

Contact Form Submissions

If you contact us via our contact form, we collect your name, email address, and message. We use this information solely to respond to your inquiry. We do not add you to any marketing lists without your explicit consent.

Cookies

We use cookies in the following contexts:

Analytics cookies: Google Analytics uses cookies to distinguish users and sessions. You can opt out via Google's opt-out browser add-on or browser privacy settings.
Advertising cookies: Once we activate Google AdSense, it will use cookies to serve relevant ads. Third-party vendors, including Google, use cookies to serve ads based on your prior visits to this site and other websites. You can opt out of personalized advertising at Google Ads Settings or via the NAI opt-out at aboutads.info.

You can control cookie behavior through your browser settings. Note that disabling cookies may affect some functionality.

2. How We Use Information

We use the information we collect to:

Operate and improve our website and calculators
Analyze usage patterns to identify popular features and errors
Respond to your questions and support requests
Detect and prevent fraud or abuse
Comply with legal obligations

We do not sell your personal information to any third party.

3. Third-Party Services

We use the following third-party services, each with their own privacy policies:

Google Analytics 4 — web analytics. Privacy policy: policies.google.com/privacy
Cloudflare Web Analytics — privacy-focused analytics, no cookies, no cross-site tracking. Privacy policy: cloudflare.com/privacypolicy/
Google AdSense (pending activation) — advertising platform. Privacy policy: policies.google.com/privacy
Google Fonts — font delivery via fonts.googleapis.com. Google may log requests per their privacy policy.

4. Data Retention

Analytics data is retained according to the third-party service's default policies (typically 14 months for Google Analytics). Contact form messages are retained for up to 12 months. We do not retain your calculator inputs because they are never transmitted to us.

5. Your Rights

Depending on your location, you may have the right to:

Access the personal information we hold about you
Request correction of inaccurate data
Request deletion of your data
Opt out of analytics tracking
Opt out of personalized advertising

To exercise any of these rights, contact us via our Contact page.

6. California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act (CCPA). We do not sell personal information. California residents may request to know what personal information we have collected, request deletion, and opt out of sales (not applicable as we do not sell data). Contact us to exercise these rights.

7. Children's Privacy

Our services are not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such information, please contact us immediately.

8. Data Security

We use industry-standard security measures including HTTPS encryption for all pages. Our hosting (Cloudflare Pages) provides DDoS protection and secure infrastructure. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

9. Links to Other Websites

Our site may contain links to third-party websites. We are not responsible for the privacy practices of those sites. We encourage you to review their privacy policies before providing any personal information.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The effective date at the top of this page will reflect the most recent update. Continued use of the site after changes constitutes acceptance of the updated policy.

11. Contact Us

For privacy-related questions or requests, please visit our Contact page and select "Privacy Concern" as the subject.